Core Viewpoint - The Beijing Financial Court highlights the complex interrelations among platforms, third-party enterprises, insurance institutions, and workers in new business model insurance disputes, with a notable emphasis on platforms shifting labor costs and responsibilities through intricate transaction structures [1] Group 1: Stakeholders Involved - The four main parties involved in the disputes are platforms, third-party enterprises, insurance institutions, and laborers [1] - Platforms often avoid direct employment relationships with laborers by classifying them as self-employed or individual business owners, leading to the signing of service, contracting, and cooperation agreements with platform partners [1] Group 2: Operational Dynamics - The "platform + platform partner + laborer" model creates a long chain of employment relationships, complicating the accountability of each party [1] - Platforms utilize multi-layered transaction structures to transfer labor costs and evade employment responsibilities, which is a prominent issue in the current landscape [1]